Credit card transfer partners: Guide to transferring points and miles to airlines and hotels
Editor's Note
We love transferable credit card points and miles here at TPG.
The ability to transfer your rewards to a wide range of airline and hotel loyalty programs provides valuable flexibility to maximize your travel. You're not locked into a single redemption scheme as you plan your trips. If you can't find the seats available in one program, you can choose another program before transferring any credit card points or miles. If a program devalues its currency without notice, you can switch to a different program for your next points or miles transfer.
With dozens of different transfer possibilities, it can be difficult to remember just how many options you have.
Here's a handy guide that breaks down which credit card points and miles you can transfer to which airline and hotel programs, along with their respective transfer ratios. We also list our valuation for each transfer partner so you can get the best value to maximize your hard-earned points and miles.
Airline transfer partners
| Transfer partner | TPG valuation (November 2025) | American Express Membership Rewards | Bilt Rewards | Capital One miles | Chase Ultimate Rewards | Citi ThankYou Rewards* | Wells Fargo Rewards |
|---|---|---|---|---|---|---|---|
Aer Lingus AerClub (Avios) | 1.4 cents | 1:1 | 1:1 | 1:1 | 1:1 | ||
Aeromexico Rewards | 0.8 cents | 1:1.6 | 1:1 | 1:1 | |||
1.4 cents | 1:1 | 1:1 | 1:1 | 1:1 | |||
1.3 cents | 1:1 | 1:1 | 1:1 | 1:1 | 1:1 | 1:1 | |
1.65 cents | 1:1 | ||||||
1.4 cents | 1:1 | ||||||
1.55 cents | 1:1 | ||||||
1.4 cents | 1:1 | 1:1 | 1:1 | 1:1 | 1:1 | ||
British Airways Club (Avios) | 1.4 cents | 1:1 | 1:1 | 1:1 | 1:1 | 1:1 | |
1.3 cents | 1:1 | 1:1 | 1:1 | 1:1 | |||
1.25 cents | 1:1 | ||||||
1.2 cents | 5:4 | 1:1 | 1:1 | 5:4 | |||
1.2 cents | 1:1 | 1:1 | 1:1 | 1:1 | |||
EVA Air Infinity MileageLands | Not valued | 2:1.5 | 1:1 | ||||
Finnair Plus (Avios) | 1.4 cents | 1:1 | |||||
Frontier Miles | 1.25 cents | ||||||
Iberia Club (Avios) | 1.4 cents | 1:1 | 1:1 | 1:1 | 1:1 | ||
Not valued | 1:1 | 2:1.5 | |||||
1.45 cents | 250:200 | 5:3 | 1:1 | 1:1 | 1:1 | ||
1.3 cents | 1:1 | 1:1 | 1:1 | ||||
Qatar Airways Privilege Club (Avios) | 1.4 cents | 1:1 | 1:1 | 1:1 | 1:1 | ||
1.3 cents | 1:1 | 1:1 | 1:1 | 1:1 | |||
1.4 cents | 1:1 | 1:1 | |||||
Not valued | 1:1 | 1:1 | |||||
Thai Airways Royal Orchid Plus | Not valued | 1:1 | |||||
1.2 cents | 1:1 | 1:1 | 1:1 | ||||
1.4 cents | 1:1 | 1:1 | |||||
1.3 cents | 1:1 | 1:1 | 1:1 | 1:1 | |||
Virgin Red (airlines and hotels) | 1.3 cents (Virgin Atlantic Flying Club points valuation) | 1:1 | 1:1 | 1:1 | 1:1 | ||
Total airline transfer partners | 17 | 17 (including Virgin Red) | 15-plus | 10 | 16 (including Virgin Red) | 8 (including Virgin Red) |
*You can transfer Citi ThankYou Rewards points at a 1:1 ratio with certain Citi cards — the Citi Prestige® Card, Citi Strata Elite℠ Card (see rates and fees) and Citi Strata Premier® Card (see rates and fees). Rewards with other Citi cards transfer at a 1:0.7 ratio.
The information for the Citi Prestige has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
There are a few important notes to highlight regarding these transfer partners:
- Many transfers are instantaneous, though you should check out our guides to transfer times for American Express, Bilt, Capital One, Chase and Wells Fargo for more details.
- You can transfer Avios between Aer Lingus AerClub, British Airways Club, Finnair Plus, Iberia Club and Qatar Airways Privilege Club accounts in any direction at a 1:1 ratio.
- Programs occasionally offer transfer bonuses, which we highlight in our frequently updated guide to transfer bonuses.
Finally, except for EVA Air Infinity MileageLands and Finnair Plus, you can transfer Marriott Bonvoy points to all airline partners listed above at a rate of 3 Bonvoy points to 1 airline point or mile. You will receive an additional 5,000 airline points or miles for every 60,000 Bonvoy points transferred, except with the following airline programs: American Airlines AAdvantage, Avianca LifeMiles and Delta SkyMiles. Additionally, United MileagePlus awards 10,000 bonus miles for every 60,000 points transferred.
Related: Should you transfer hotel points to airline partners?
Hotel transfer partners
| Loyalty program | TPG valuation (November 2025) | American Express Membership Rewards | Bilt Rewards | Capital One miles | Chase Ultimate Rewards | Citi ThankYou Rewards | Wells Fargo Rewards |
|---|---|---|---|---|---|---|---|
2.0 cents | 3:2 | 2:1 | 2:1 | ||||
0.6 cents | |||||||
0.6 cents | 1:1 | 1:1 | 1:2 | 1:2 | |||
0.5 cents | 1:2 | 1:1 | |||||
0.5 cents | 1:1 | 1:1 | |||||
I Prefer Hotel Rewards | Not valued | 1:2 | 1:4 | ||||
Not valued | 5:1 | ||||||
0.7 cents | 1:1 | 1:1 | 1:1 | ||||
1.7 cents | 1:1 | 1:1 | |||||
1.1 cents | 1:1 | 1:1 | |||||
Total hotel transfer partners | 3 | 5 | 4 | 3 | 5 | 1 |
As with transfers to airline partners, most transfers to hotel partners are instantaneous, though you can read more in our previously mentioned guides to transfer times for Amex, Bilt, Capital One, Chase, Citi and Wells Fargo.
Related: Why you should master a few credit card transfer partners, and (most likely) leave the rest behind
How to earn transferable points or miles
The best way to earn transferable credit card points or miles is with the right credit card. Here's a look at your best options.
American Express Membership Rewards
These are the most popular cards that earn American Express Membership Rewards points:
- American Express Platinum Card®
- The Business Platinum Card® from American Express
- American Express® Gold Card
- American Express® Business Gold Card
You can also earn Amex points by signing up for Rakuten and setting your earning preference to Membership Rewards points instead of cash back.
Bilt Rewards
Bilt offers one credit card, the Bilt Mastercard®. Cardmembers can earn rewards on rent payments (up to 100,000 Bilt Points in a calendar year), plus 2 points per dollar spent on travel (airfare, hotels, cruises and rental cars) and 3 points per dollar spent on dining.
You must complete at least five transactions per statement period to earn points. Best of all, the Bilt Mastercard has no annual fee.
The information for the Bilt Mastercard has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Capital One miles
Here are the cards that currently earn transferable Capital One miles:
- Capital One Venture Rewards Credit Card
- Capital One Venture X Business
- Capital One Venture X Rewards Credit Card
- Capital One VentureOne Rewards Credit Card
- Capital One Spark Miles for Business
- Capital One Spark Miles Select for Business
The information for the Capital One Spark Miles Select for Business card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Chase Ultimate Rewards
Here are the cards that earn fully transferable Chase Ultimate Rewards points:
- Chase Sapphire Preferred® Card (see rates and fees)
- Chase Sapphire Reserve® (see rates and fees)
- Chase Sapphire Reserve for Business℠ (see rates and fees)
- Ink Business Preferred® Credit Card (see rates and fees)
However, if you have one of these cards, you can also combine your rewards from cash-back cards like the Chase Freedom Flex® (see rates and fees) and the Chase Freedom Unlimited® (see rates and fees) in a single account, effectively converting those cash-back earnings into fully transferable Ultimate Rewards points.
Citi ThankYou Rewards
Citi ThankYou Rewards has 21 airline and hotel transfer partners, plus one retail partnership with Shop Your Way. If you hold the Citi Prestige, Strata Elite or Strata Premier, you can leverage these partners at their full transfer ratios.
However, as with Chase Ultimate Rewards points, you can combine your Citi ThankYou Rewards points in a single account for select products. This unlocks the full transfer ratios. If you transfer from one of these cards without holding a premium Citi card, you'll get a 1:0.7 transfer ratio:
- Citi Custom Cash® Card
- Citi Double Cash® Card (see rates and fees)
- Citi Strata℠ Card (see rates and fees)
The information for the Citi Custom Cash Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Wells Fargo Rewards
Though Wells Fargo offers multiple credit cards, including several that earn cash rewards, you can currently only earn transferable Wells Fargo Rewards points with the following cards:
- Wells Fargo Autograph Journey℠ Card (see rates and fees)
- Wells Fargo Autograph® Card (see rates and fees)
Related: How to choose the best credit card for you
Bottom line
Many transfer options are available among the major credit card loyalty programs. Transferable points and miles are generally more valuable than any single airline or hotel point or mile because they give you the added flexibility to choose where to send your rewards — and when to do it.
Bookmark this cheat sheet so you know your options when applying for your next transferable points- or miles-earning credit card or deciding on your next redemption.
Related: These apps and websites make award redemptions easier to find
TPG featured card
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 3X | Earn 3X Miles on Delta purchases. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Pros
- Delta SkyClub access when flying Delta
- Annual companion ticket for travel on Delta (upon renewal)
- Ability to earn MQDs through spending
- Various statement credits for eligible purchases
Cons
- Steep annual fee of $650
- Other Delta cobranded cards offer superior earning categories
- Earn 100,000 Bonus Miles after you spend $6,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 25,000 bonus miles after you make an additional $3,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 04/01/2026.
- Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
- Enjoy complimentary access to The Centurion® Lounge in the U.S. and select international locations (as set forth on the Centurion Lounge Website), Sidecar by The Centurion® Lounge in the U.S. (see the Centurion Lounge Website for more information on Sidecar by The Centurion® Lounge availability), and Escape Lounges when flying on a Delta flight booked with the Delta SkyMiles® Reserve American Express Card. § To access Sidecar by The Centurion® Lounge, Card Members must arrive within 90 minutes of their departing flight (including layovers). To access The Centurion® Lounge, Card Members must arrive within 3 hours of their departing flight. Effective July 8, 2026, during a layover, Card Members must arrive within 5 hours of the connecting flight.
- Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
- Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
- $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
- Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
- Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $650 Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees